Stocktoria

BayFirst Financial Corp. BAFN

Nasdaq · stock · State Commercial Banks · website · IPO 2015-07-23 · LEI

BayFirst Financial Corp. statistics & valuation

Market cap$20.5M
P / B0.2×
P / FCF0.1×
Dividend yield3.24%
Return on equity-26.2%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
17.90% 25.60% -0.40% 5.70% 11.40% -26.20% 202020212022202320242025
Shares outstanding
4.0M 4.1M 4.2M 4.6M 4.6M 4.1M 202020212022202320242025
Net debt ($)
202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
0.80% 2.70% 0.00% 0.50% 1.00% -1.80% 202020212022202320242025
Free cash flow margin (%)
202020212022202320242025
Debt / equity (×)
202020212022202320242025
EPS ($)
$3.01 $5.91 -$0.22 $1.12 $2.62 -$5.93 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

BayFirst Financial Corp. trades at about 2.4× earnings — below its 10-year norm (10-year range 3.6×–11.2×, median 6.6×).

2.4× 11.2×

Shaded band = 10-year range (3.6×–11.2×); dot = today's 2.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Return on assets-1.8%1.0%0.5%-0.0%2.7%0.8%
Return on equity-26.2%11.4%5.7%-0.4%25.6%17.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.